Access Bank Kenya loan calculator for Ksh 5,000,000 over 10 years.
Estimate repayment for a Access Bank Kenya loan using the current 19.98% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 96,562
120 monthly payments
Estimated total repayment
Ksh 11,587,385
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 6,587,385
At 19.98%
Current Access Bank Kenya loan interest rate
Access Bank Kenya is listed at 19.98% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
Change loan details
Edit the values below; results update instantly.
Loan details
KESCentral Bank of Kenya · May 2025
+3.99 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 117,378
For 120 months · incl. fees
Total repaid
Ksh 13,364,561
Principal Ksh 5,000,000 + Ksh 8,364,561 extras
Effective APR
25.86%
Advertised rate 19.98% · 131.7% interest on principal
Repayment mix over 10 years
Early payments lean on interest; later ones clear principal.
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 5,000,000 |
| 1 | Ksh 983,529 | Ksh 175,210 | Ksh 4,824,790 |
| 2 | Ksh 1,928,660 | Ksh 388,817 | Ksh 4,611,183 |
| 3 | Ksh 2,826,979 | Ksh 649,236 | Ksh 4,350,764 |
| 4 | Ksh 3,668,227 | Ksh 966,727 | Ksh 4,033,273 |
| 5 | Ksh 4,439,897 | Ksh 1,353,796 | Ksh 3,646,204 |
| 6 | Ksh 5,126,740 | Ksh 1,825,691 | Ksh 3,174,309 |
| 7 | Ksh 5,710,166 | Ksh 2,401,003 | Ksh 2,598,997 |
| 8 | Ksh 6,167,512 | Ksh 3,102,396 | Ksh 1,897,604 |
| 9 | Ksh 6,471,147 | Ksh 3,957,499 | Ksh 1,042,501 |
| 10 | Ksh 6,587,385 | Ksh 5,000,000 | Ksh 0 |
What affects repayment?
Monthly repayment depends on loan amount, term, lending rate, processing fee, insurance and excise duty on interest.
Longer term tradeoff
A longer term can reduce monthly instalments but usually increases total interest paid over the life of the loan.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.